Limiting your spend

For sure I am not a Financial Advisor, however I have had enough experience to realise the more you spend the less you save.  Having limited savings for the future ultimately lead to a "pretty ordinary" old age.  Bear in mind reaching retirement and owning a home is a huge help.

Another way to force long term savings is to boost your "super" funds.  You will benefit from that at retirement, and the earlier contributions start the more return at the end. This of course does short-circuit the amount of planning required to get a reasonable return on your money though it will be locked away for some years.

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